Policyholder Services

If I report an incident before it becomes a claim, won’t it look bad on my record and cause my premium to go up?

The reporting of a patient problem or an incident (an occurrence with the potential of developing into a claim) that does not develop into a claim will have no effect on your premium and will not be included in reports to hospitals or other third parties of your claims history. Early notice of potential claims shows that you are proactive and risk management conscious. When you call us immediately after an incident occurs, we may be able to advise you of steps you can take to keep the situation under control. Additionally, your report to the Claims Department will serve as “official notice” and may protect your coverage should it turn into a claim in the future.